>> it wasn't uncommon to have an underwriter on one side of the room start to laugh and say, you know, "hey, get a load of this. you know, here's a guy that's moving from $500 a month in rent to a $650,000 house, and he's an electrician and his wife is a waitress." (imitates laughter) everybody in the room laughing. somebody else would have another story. >> school teacher making, you know, $10,000 a month. or a waitress makin', you know, $12,000 a month. you're supposed to exercise some common sense and, you know, like, say, "okay, well, is it reasonable that they could make xyz a month?" but a lot of times, we didn't do that. >> smith: you didn't do that, on the instruction of your supervisor, your lead? >> right. >> smith: so the lead would say what? >> um... (laughing) "looks reasonable to me."